Abacus Federal Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 39.9% lower than in Q1 2026, at $1.2M. Within New York, Abacus Federal Savings Bank is 26th of 105 on loan-to-deposit ratio, 94.98% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Abacus Federal Savings Bank sits 14.14 points higher, at 94.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $244.9M |
| Net loans and leases | $242.0M |
| Loans held for sale | $1.2M |
| Loans to total assets | 76.37% |
| Loan-to-deposit ratio | 94.98% |
| Net loans to equity capital | 4.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.72% |
| Multifamily (5+ residential) | 5.35% |
| Commercial and industrial | 0.00% |
| Consumer | 0.03% |
| Credit cards | 0.03% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 76.32% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.01% |
| Interest income on loans | $3.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $256.8M | $267.3M | 13.54% | 0.00% | 0.03% |
| Q4 2023 | $255.0M | $265.9M | 13.24% | 0.00% | 0.02% |
| Q1 2024 | $261.7M | $270.9M | 12.29% | 0.00% | 0.02% |
| Q2 2024 | $261.3M | $265.1M | 11.21% | 0.00% | 0.02% |
| Q3 2024 | $261.8M | $260.0M | 10.89% | 0.00% | 0.03% |
| Q4 2024 | $258.6M | $258.0M | 10.18% | 0.00% | 0.02% |
| Q1 2025 | $254.7M | $263.6M | 9.84% | 0.00% | 0.02% |
| Q2 2025 | $249.6M | $265.5M | 10.06% | 0.01% | 0.02% |
| Q3 2025 | $248.6M | $267.1M | 9.57% | 0.00% | 0.03% |
| Q4 2025 | $253.6M | $254.3M | 11.09% | 0.00% | 0.02% |
| Q1 2026 | $248.5M | $257.6M | 11.10% | 0.00% | 0.03% |
| Q2 2026 | $244.9M | $257.9M | 11.72% | 0.00% | 0.03% |
Abacus Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Abacus Federal Savings Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Abacus Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32257) · FFIEC NIC profile (RSSD 762773)